Ichi ndichifukwa chake Fannie Mae, Freddie Mac Stock Akukwera 30%

Chifukwa chiyani Fannie ndi Freddie Akuyenda?

Mitengo ya Fannie Mae (FNMA) ndi Freddie Mac (FMCC), makampani omwe amathandizidwa ndi boma (GSEs) pamtima pa msika wa nyumba za ku United States, posachedwapa anakumana ndi kuphulika kwakukulu, kukwera mpaka 30% tsiku limodzi. Kuphulika kwamtunduwu sikozolowereka kwa makampani awiriwa, omwe akhala mu "conservatorship" pansi pa ulamuliro wa boma kuyambira 2008 mavuto azachuma. Kwa zaka zopitirira khumi, tsogolo lawo lakhala likutsatiridwa ndi mikangano yandale ndi yazamalamulo m'malo mwa miyambo yakale yamsika. Kuwonjezeka kwaposachedwa, komabe, kudayambika ndi chitukuko chachikulu chomwe osunga ndalama amakhulupirira kuti chikhoza kutsegulira njira yowamasula ku ulamuliro wa boma komanso kubweza phindu kwa eni ake.

The Spark: Kupambana Kwambiri Mwalamulo

Zomwe zidapangitsa kuti izi zichitike chinali chigamulo chabwino kuchokera ku Fifth U.S. Circuit Court of Appeals. Khotilo linagwirizana ndi ogawana nawo pamlandu womwe unakhalapo kwa nthawi yaitali, kutsutsana ndi "ukonde wofunika kusesa" womwe boma la federal linakhazikitsa mu 2012. Ndondomekoyi inapatutsa phindu lonse kuchokera kwa Fannie ndi Freddie kupita ku Treasury ya U.S. Khotilo lidapeza kuti izi zidaposa mphamvu za Federal Housing Finance Agency (FHFA), yomwe imagwira ntchito ngati wosunga ma GSEs. Kupambana pazamalamulo kumeneku kunalimbikitsanso oyika ndalama kuti akhulupirire kuti kusesa komwe kumadzetsa phindu kungathe kutha, zomwe zitha kupangitsa makampaniwo kuti ayambe kusunga ndalama zawo ndikuwonetsetsa kuti magawo awo akukwezedwa kwambiri.

Nyengo Yambiri Yandale ndi Zachuma

Pambuyo pa bwalo lamilandu, mphepo zandale ndi zachuma zikuwoneka kuti zikuyenda bwino ku kusintha kwa GSE. Pali kukula, kuzindikirika kwapawiri ku Washington kuti mkhalidwe wamakono wachitetezo si njira yokhazikika yanthawi yayitali yoyendetsera ndalama zanyumba zaku US. Chigamulo chikufunidwa kuti chipereke bata komanso kumveka bwino. Kuphatikiza apo, utsogoleri wapano wawonetsa chidwi kwambiri pakutha kwa nyumba komanso nkhani zogulira. Kusintha Fannie ndi Freddie ndi gawo lapakati pazithunzi zovutazi. Otsatsa malonda akubetcha kuti chifuniro chowonjezereka cha ndale, kuphatikizidwa ndi kukakamizidwa kwazamalamulo, kukakamiza opanga mfundo kuti pomaliza alembe njira yodziwikiratu kuti achoke muchitetezo.

Msewu Wautali Patsogolo ndi Zokhudza Ogulitsa

Ndikofunikira kuti osunga ndalama amvetsetse kuti ngakhale kuwonjezereka kwaposachedwa kuli kodabwitsa, ulendo wopita ku chigamulo chonse umakhala wautali komanso wodzala ndi kukayikakayika. Njira zamalamulo zitha kuwonanso madandaulo ena, ndipo njira iliyonse yamalamulo kuchokera ku Congress ingafunike kukambirana kovuta. Zotsatira zomwe zingatheke zimasiyana mosiyanasiyana, kuyambira kukonzanso ndalama zonse ndi kumasulidwa mpaka kukonzanso kwakukulu kwa boma. Kuyika ndalama m'matangadzawa kumakhalabe kongoyerekeza. Komabe, kwa iwo omwe ali ndi chiopsezo chachikulu chololera, mphotho yomwe ingakhalepo ndi chikhulupiriro chakuti mtengo wagawo wapano ukadali kachigawo kakang'ono ka zomwe makampani akuyenera kukhala omasuka, opindulitsa. Mbiri ya mphotho yowopsa iyi ndi yomwe ikupitilira kukopa ndalama.

• Kuchulukira Kwazamalamulo: Khothi lalikulu lomwe lidagamula motsutsana ndi "ukonde wofunikira kusesa" lalimbikitsanso chiyembekezo cha omwe adayika ndalama.
• Chifuniro cha Ndale: Kukambitsirana komwe kukukulirakulira pakati pa mayiko awiri okhudzana ndi kusintha kwachuma chanyumba kumawonedwa ngati chizindikiro chabwino.
• Zongopeka Pamsika: Amalonda akubetcha zamtsogolo pomwe makampani amamasulidwa ndikumanganso ndalama.
• Chiwopsezo Chachikulu, Mphotho Yaikulu: Zogulitsa zimakhala zosasinthika, zomwe zikuyimira kubetcherana mongopeka pazandale komanso zamalamulo.

"Chigamulo chaposachedwa cha khothi ndi gawo lofunikira kwambiri pakuthetsa ukonde wopanda chilungamo womwe uyenera kusesedwa ndikubwezeretsa Fannie Mae ndi Freddie Mac ku ntchito yawo yomwe akufuna pamsika wa nyumba. Ngakhale zovuta zikadalipo, njira yopezera chilungamo kwa omwe ali ndi masheya ndi yomveka bwino kuposa kale." - Maganizo omwe ali pakati pa omwe amagawana nawo.

Kuyenda Kusatsimikizika ndi Zida Zoyenera

Kwa mabizinesi ndi osunga ndalama omwe amayang'anira zovuta, zochitika zomwe zikuchitika ngati nkhani ya Fannie ndi Freddie, kukhala ndi malingaliro omveka bwino azinthu zonse zofunika ndikofunikira. Kaya kutsata mayendedwe amsika, zolemba zamalamulo, kapena kayendetsedwe ka nkhani, kuthekera kophatikiza ndikusanthula zambiri bwino ndi mwayi wampikisano. Apa ndipamene makina ogwiritsira ntchito modular monga Mewayz amatsimikizira kuti ndi ofunika kwambiri. Mewayz imalola magulu kuti aphatikize magwero osiyanasiyana a data, kuchokera ku nkhani zachuma kupita kumalo osungira zamalamulo, kupita kumayendedwe amodzi, ogwirizana. M'malo molimbana ndi nsanja zingapo zolumikizidwa, ogwiritsa ntchito amatha kupanga dashboard yokhazikika kuti aziyang'anira zisonyezo zazikulu zogwirira ntchito ndi zidziwitso zankhani zomwe zimafunikira kwambiri pamalingaliro awo, zomwe zimathandizira kupanga zisankho mwachangu komanso mozindikira bwino m'malo osakhazikika.

Mafunso Ofunsidwa Kawirikawiri

Chifukwa chiyani Fannie ndi Freddie Akuyenda?

Mitengo ya Fannie Mae (FNMA) ndi Freddie Mac (FMCC), makampani omwe amathandizidwa ndi boma (GSEs) pamtima pa msika wa nyumba za ku United States, posachedwapa anakumana ndi kuphulika kwakukulu, kukwera mpaka 30% tsiku limodzi. Kuphulika kwamtunduwu sikozolowereka kwa makampani awiriwa, omwe akhala mu "conservatorship" pansi pa ulamuliro wa boma kuyambira 2008 mavuto azachuma. Kwa zaka zopitirira khumi, tsogolo lawo lakhala likutsatiridwa ndi mikangano yandale ndi yazamalamulo m'malo mwa miyambo yakale yamsika. Kuwonjezeka kwaposachedwa, komabe, kudayambika ndi chitukuko chachikulu chomwe osunga ndalama amakhulupirira kuti chikhoza kutsegulira njira yowamasula ku ulamuliro wa boma komanso kubweza phindu kwa eni ake.

The Spark: Kupambana Kwambiri Mwalamulo

Zomwe zidapangitsa kuti izi zichitike chinali chigamulo chabwino kuchokera ku Fifth U.S. Circuit Court of Appeals. Khotilo linagwirizana ndi ogawana nawo pamlandu womwe unakhalapo kwa nthawi yaitali, kutsutsana ndi "ukonde wofunika kusesa" womwe boma la federal linakhazikitsa mu 2012. Ndondomekoyi inapatutsa phindu lonse kuchokera kwa Fannie ndi Freddie kupita ku Treasury ya U.S. Khotilo lidapeza kuti izi zidaposa mphamvu za Federal Housing Finance Agency (FHFA), yomwe imagwira ntchito ngati wosunga ma GSEs. Kupambana pazamalamulo kumeneku kunalimbikitsanso oyika ndalama kuti akhulupirire kuti kusesa komwe kumadzetsa phindu kungathe kutha, zomwe zitha kupangitsa makampaniwo kuti ayambe kusunga ndalama zawo ndikuwonetsetsa kuti magawo awo akukwezedwa kwambiri.

Nyengo Yambiri Yandale ndi Zachuma

Pambuyo pa bwalo lamilandu, mphepo zandale ndi zachuma zikuwoneka kuti zikuyenda bwino ku kusintha kwa GSE. Pali kukula, kuzindikirika kwapawiri ku Washington kuti mkhalidwe wamakono wachitetezo si njira yokhazikika yanthawi yayitali yoyendetsera ndalama zanyumba zaku US. Chigamulo chikufunidwa kuti chipereke bata komanso kumveka bwino. Kuphatikiza apo, utsogoleri wapano wawonetsa chidwi kwambiri pakutha kwa nyumba komanso nkhani zogulira. Kusintha Fannie ndi Freddie ndi gawo lapakati pazithunzi zovutazi. Otsatsa malonda akubetcha kuti chifuniro chowonjezereka cha ndale, kuphatikizidwa ndi kukakamizidwa kwazamalamulo, kukakamiza opanga mfundo kuti pomaliza alembe njira yodziwikiratu kuti achoke muchitetezo.

Msewu Wautali Patsogolo ndi Zokhudza Ogulitsa

Ndikofunikira kuti osunga ndalama amvetsetse kuti ngakhale kuwonjezereka kwaposachedwa kuli kodabwitsa, ulendo wopita ku chigamulo chonse umakhala wautali komanso wodzala ndi kukayikakayika. Njira zamalamulo zitha kuwonanso madandaulo ena, ndipo njira iliyonse yamalamulo kuchokera ku Congress ingafunike kukambirana kovuta. Zotsatira zomwe zingatheke zimasiyana mosiyanasiyana, kuyambira kukonzanso ndalama zonse ndi kumasulidwa mpaka kukonzanso kwakukulu kwa boma. Kuyika ndalama m'matangadzawa kumakhalabe kongoyerekeza. Komabe, kwa iwo omwe ali ndi chiopsezo chachikulu chololera, mphotho yomwe ingakhalepo ndi chikhulupiriro chakuti mtengo wagawo wapano ukadali kachigawo kakang'ono ka zomwe makampani akuyenera kukhala omasuka, opindulitsa. Mbiri ya mphotho yowopsa iyi ndi yomwe ikupitilira kukopa ndalama.

Kuyenda Kusatsimikizika ndi Zida Zoyenera

Kwa mabizinesi ndi osunga ndalama omwe amayang'anira zovuta, zochitika zomwe zikuchitika ngati nkhani ya Fannie ndi Freddie, kukhala ndi malingaliro omveka bwino azinthu zonse zofunika ndikofunikira. Kaya kutsata mayendedwe amsika, zolemba zamalamulo, kapena kayendetsedwe ka nkhani, kuthekera kophatikiza ndikusanthula zambiri bwino ndi mwayi wampikisano. Apa ndipamene makina ogwiritsira ntchito modular monga Mewayz amatsimikizira kuti ndi ofunika kwambiri. Mewayz imalola magulu kuti aphatikize magwero osiyanasiyana a data, kuchokera ku nkhani zachuma kupita kumalo osungira zamalamulo, kupita kumayendedwe amodzi, ogwirizana. M'malo molimbana ndi nsanja zingapo zolumikizidwa, ogwiritsa ntchito amatha kupanga dashboard yokhazikika kuti aziyang'anira zisonyezo zazikulu zogwirira ntchito ndi zidziwitso zankhani zomwe zimafunikira kwambiri pamalingaliro awo, zomwe zimathandizira kupanga zisankho mwachangu komanso mozindikira bwino m'malo osakhazikika.